Payday Loans in Gary, West Virginia

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No payday loan companies in Gary, WV. Consider companies in other cities:

Company nameAddressZip codePhone number
First Citizens Bank 2807 Jefferson St N, Lewisburg, WV 24901 +1 (304) 645 - 3717
Community Bank of Parkersburg 3906 Emerson Ave, Parkersburg, WV 26104 +1 (304) 485 - 0602
TIAA Financial Services 900 Lee St E Suite 1000, Charleston, WV 25301 +1 (855) 842 - 2088
Tri State Gun & Pawn 545 Riverview Ave, Logan, WV 25601 +1 (304) 752 - 6561
United Bank 101 Venture Dr, Morgantown, WV 26508 +1 (304) 284 - 8630
WEPCO Federal Credit Union 459 New Creek Highway, Keyser, WV 26726 +1 (304) 788 - 5305
ATM M&t Bank 7899 Winchester Ave, Inwood, WV 25428 +1 (800) 627 - 3999
Citizens Bank of Morgantown 265 High St, Morgantown, WV 26505 +1 (304) 292 - 8411
One Community Federal Credit Union 531 Fifth St, Parkersburg, WV 26101 +1 (304) 485 - 4066
Desco Federal Credit Union 1438 6th Ave, Huntington, WV 25701 +1 (800) 488 - 0746

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gary, WV, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Charleston, WV, Emergency Loan in Huntington, WV, Payday Loans in Morgantown, WV and Payday Loans in Parkersburg, WV. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Gary, WV.

Beautiful sights of Gary, WV

Payday Loans Available in Gary, WV By The Following ZIP Codes:

24836

Are Payday Loans Legal In Gary, West Virginia?

Payday Lending is Prohibited in West Virginia

West Virginia Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Gary, WV payday loan calculator

Payday Loans in Gary, West Virginia

If you live in Gary, West Virginia, and are looking for a quick cash infusion, you may be tempted to take out a payday loan. However, it’s important to note that payday loans are prohibited in West Virginia. In this article, we’ll explore the legal landscape of payday loans in West Virginia and provide you with some alternative options for securing the funds you need.

The Legal Landscape of Payday Loans in West Virginia

In 2001, West Virginia passed a law that effectively banned payday lending in the state. This means that payday lenders are not allowed to operate physical storefronts or offer online loans to residents of West Virginia. The law caps interest rates at 31% for loans of $2,000 or less. This legal framework is in place to protect consumers from the predatory lending practices that are often associated with payday loans.

Alternative Options for Short-Term Loans

If you need a short-term loan to cover expenses, there are alternative options to consider. Here are a few:

1. Personal Installment Loans

Personal installment loans are a type of loan that you can use for any purpose. They typically have longer repayment terms than payday loans, which can make them more manageable. You can apply for a personal installment loan online or at a physical lender location.

2. Credit Union Loans

Credit unions are not-for-profit financial institutions that are often able to offer loans at more reasonable rates than traditional banks or payday lenders. If you’re a member of a credit union, you may be able to secure a loan with reasonable terms and interest rates.

3. Credit Card Cash Advances

If you have a credit card, you may be able to take out a cash advance. This is when you withdraw cash from your credit card at an ATM or bank. However, be aware that credit card cash advances often come with high fees and interest rates, so this option should be used only as a last resort.

Interesting Facts and Statistics about Payday Loans in Gary, West Virginia

Here are some interesting facts and statistics about payday loans in Gary, West Virginia:

– While payday loans are illegal in West Virginia, many consumers still turn to online lenders for quick cash. This can carry significant risks, as these lenders are often unregulated and may charge exorbitant interest rates and fees.

– According to a report by the West Virginia Center on Budget and Policy, payday loans cost West Virginia families $36 million in fees and interest payments in 2015.

– The average payday loan in West Virginia carries an interest rate of 486%.

Apply Now

If you need a short-term loan and live in West Virginia, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we are not a direct lender, but we can facilitate your connection with lenders who may be able to help you. To apply for a loan, simply fill out the online application on our website and one of our representatives will be in touch with you shortly.

Conclusion

While payday loans may seem like a quick fix for financial emergencies, they can often lead to a cycle of debt and financial hardship. If you live in Gary, West Virginia, and need a short-term loan, consider alternative options such as personal installment loans, credit union loans, or credit card cash advances. And remember, if you need help securing a loan, TheGuaranteedLoans is here to provide assistance and connect you with potential lenders.

F.A.Q.

Can I be sued for defaulting on a payday loan in Gary, West Virginia?

No, you cannot be sued for defaulting on a payday loan in Gary, West Virginia because these loans are illegal in the state.

Can a payday loan be included in a bankruptcy filing in Gary, West Virginia?

No, a payday loan cannot be included in a bankruptcy filing in Gary, West Virginia because these loans are illegal in the state.

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